Keep your goals for the new year alive
How are those resolutions holding up?
Every new year feels like a blank slate, a chance to do things better or to try something new. This year feels like a fresher start than usual. One of the most popular resolutions people make involves better money management.
Forming new financial habits can be difficult, but it doesn’t have to be. All it takes is a sensible approach — and the right tools.
Building a flexible budget that works
Your budget can really be tailored to meet your needs. Choosing the right budgeting method for your situation will make it more likely to work for you long-term.
For example:
- A fixed budget may work if your paychecks come at regular intervals and in the same amount.
- A flexible budget may work if your income isn’t predictable — like service industries, where tips account for much of your pay.
Often, most people find their comfort zone somewhere between the extremes.
Using the right tools to manage your budget
Utilizing the power of your bank is another tool to help you manage your budget. Your bank likely offers direct deposit and automatic bill payment, allowing you to take care of fixed expenses automatically.
However, there may be more tools available to you. Your bank account should have:
- Low or no monthly fee1
- Convenient ways to track expenses whether online or via mobile app
- Deposit cash or checks on the go—with Walmart MoneyCard you can add cash2 or deposit checks2 anytime you are at a Walmart
- Text alerts including direct deposit notification, low balance notifications 3
- Savings feature—preferably with a higher than the national average on interest
- Optional overdraft protection up to $300 with eligible direct deposits and opt-in4
- Bonus, for rewards that suit your lifestyle—with the Walmart MoneyCard you earn up to 3% cash back5 when you shop at Walmart.com
You should feel like you have control of your money and can manage those surprise expenses.
If you have a Walmart MoneyCard, learn more about the features available to you here. If you are interested in signing up for a Walmart MoneyCard, click here.
Cash back, up to $75 per year, is credited to card balance at end of reward year and is subject to successful activation and other eligibility requirements. Redeem rewards using our website or app. You will earn cash back of three percent (3%) on qualifying purchases made at Walmart.com and in the Walmart app using your card or your card number, two percent (2%) at Walmart fuel stations, and one percent (1%) on qualifying purchases at Walmart stores in the United States (less returns and credits) posted to your Card during each reward year. Grocery delivery and pickup purchases made on Walmart.com or the Walmart app earn 1%. For the purpose of cash back rewards, a "reward year" is twelve (12) monthly periods in which you have paid your monthly fee or had it waived. See Deposit Account Agreement for details.
Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Log into and refer to your Account Agreement to check feature availability.
Monthly fee waived when you direct deposit $500+ in the previous monthly period. Otherwise, $5.94 a month.
Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Walmart MoneyCard account to prevent fraud restrictions on the account.
Limits apply. Your funds typically become available on your account within 10 minutes for your use.
Carrier message & data rates may apply.
Monthly fees will continue on locked cards. Previously authorized transactions and deposits/transfers to your account will function with a locked card.
Interest paid annually on each enrollment anniversary based on the average daily balance across all savings of the prior 365 days, up to a maximum average daily balance of $1,000 across all savings, if the primary account is in good standing and has a positive balance. 2.00% Annual Percentage Yield may change at any time before or after account is opened. Annual Percentage Yield is accurate as of January 2026. Fees on your primary account may reduce earnings on your savings account. See Deposit Account Agreement for terms and conditions.